If you are approaching bankruptcy, if you are afraid to answer the phone, you should probably consider working out a debt settlement deal with your creditors. (badcreditloanservices.com)
If you are thinking to strike a debt settlement deal with your lender, you must know that late payments are affecting your credit score. (repairmycreditnow.com)
Offer to negotiate a better settlement deal with your creditors than the trustee because they «work for you». (hoyes.com)